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Debt Service of Low-Income Households in Indonesia Laily Dwi Arsyianti; Irfan Syauqi Beik
AL-MUZARA'AH Vol. 3 No. 1 (2015): AL-MUZARA'AH (June 2015)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (410.308 KB) | DOI: 10.29244/jam.3.1.76-88

Abstract

External source of fund is one way to get funds, but when it reaches 50 percent and above of disposable income, it becomes an issue. This paper attempts to elaborate determinants influencing low-income household in having 50 percent or more debt service ratio. By utilizing logistic regression approach to extract the data collected in the Greater Jakarta Indonesia, this study finds that when household head’s age is 45 years old and above, having 5 dependents or more, and is a home owner, the household is the most likely to have 50 percent and above debt service. While the least likely is when household head originally from Jakarta, no worry about future domestic economy condition, and have more than USD80 income per month. Variances of education level, marital status, occupation, financing institution, charity per income are not proved statistically significantly give effect to the variance of debt service in this study
Analisis Faktor-Faktor yang Mempengaruhi Alokasi Infak Rumah Tangga: Studi Kasus di Desa Pasir Eurih, Kecamatan Tamansari, Kabupaten Bogor Myrella Velika Amanta; Wiwiek Rindayati; Laily Dwi Arsyianti
AL-MUZARA'AH Vol. 2 No. 1 (2014): AL-MUZARA'AH (June 2014)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (375.577 KB) | DOI: 10.29244/jam.2.1.39-53

Abstract

Indonesia is one of countries with the most populous Muslim in the world. Poverty that strikes Muslims is an irony considering Islam is the only divine religion which explicitly requires his people to dispense zakah. Therefore, Zakah, Infaq, and Sadaqah (ZIS) is the potential solution to eradicate poverty in Indonesia. Infaq can be an alternative solution to alleviate poverty through income equalization. This study analyses factors that affect the household’s charity allocation using Ordinary Least Square (OLS) method and behavior of charity allocations on household using descriptive analysis. Result shows that altruism, income and formal education affect household’s charity allocation. These three factors positively influence the amount of household’s charity. On the other hand, behavior on charity allocation shows a good respond even though it is not yet a priority.
Non-Muslim Customer Preferences towards Islamic Banks in Semarang Nur Baethi Hariyana; Laily Dwi Arsyianti
AL-MUZARA'AH Vol. 7 No. 1 (2019): AL-MUZARA'AH (June 2019)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (656.234 KB) | DOI: 10.29244/jam.7.1.61-74

Abstract

The prohibition of riba is applied by all religions. Islamic banking has a potential to attract non-Muslim customers. Semarang, both the regency and the city, has the largest non-Muslim population in Central Java. Currently, the number customers using Islamic banks has reached 22 million in 2017. This nominal can be escalated by elaborating non-Muslim preference towards Islamic banks. Therefore, this study aims to determine the factors that influence the preferences of non-Muslim customers towards Islamic banks in Semarang regency and the city. There are 120 respondents who have been interviewed, consisting of 60 respondents are Islamic bank customers and 60 respondents are conventional bank customers. They are selected based on non-probability sampling technique. Logistic regression method is employed to analyze the data. Results show the preferences of non-Muslim customers using Islamic banks are knowledge, profit sharing, religions, administrative profit, and income. Islamic banks can target non-Muslim customers through actively involved in disseminating Islamic financial products.
Islamic Financial Literacy in Muslim Majority Country Irfan Syauqi Beik; Laily Dwi Arsyianti
ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE Vol 10, No 2 (2020): ISLAMINOMICS: Journal of Islamic Economics, Business and Finance
Publisher : STES Islamic Village

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47903/ji.v10i2.120

Abstract

Various researches have been carried out by the most Muslims populous country in the world to identify the level of literacy towards Islamic economics and finance. The results showed that the literacy levels are still far below the target. This paper attempts to identify the programs that have been organized to increase the literacy level, the potential of human resources to lift up the level, as well as the research and development that have been and potential to be carried out in order to achieve much more level of literacy as targeted by the authority.
Pemberdayaan Masyarakat Desa Karang Asem Timur dalam Optimalisasi Budi Daya Ikan dan Produk Olahannya Laily Dwi Arsyianti; Furqon Syarief Hidayatulloh; Fajar Maulana
Agrokreatif: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 8 No. 2 (2022): Agrokreatif Jurnal Ilmiah Pengabdian Kepada Masyarakat
Publisher : Institut Pertanian Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/agrokreatif.8.2.158-164

Abstract

In early 2020, Karang Asem Timur Village received a grant from the Ministry of Marine Affairs in the form of a catfish farming system in buckets (budikdamber). This program is conducted by several business groups that are widely spread in the community. Many of the catfish farmers in Karang Asem Timur Village complain about the high cost of commercial feed which is commonly used, made the profits earned very insignificant and even tend to lose, thus need supervision. The IPB Serving Lecturer Program attempts to empower the people of Karang Asem Timur Village in optimizing fish farming activities and their processed products. This program as an extension of the Thematic Field Apprenticeship Lecture (KKN-T) program, partners with the catfish business group in Karang Asem Timur Village look for other feeding alternatives that are cheaper and have good nutritional content for catfish. In addition, the program also cooperates with youth organizations and family welfare empowerment to open business opportunities for processed catfish products and catfish cultured products. It is hoped that the progress and independence of the village economy can be achieved. The society eagerly participate and propose for the program to be continued gradually and sustainably in the near future.
Socio-demographic and Economic Factors Affecting Regular Charity-giving: a Case of Low-income Households in Indonesia Laily Dwi Arsyianti; Salina Kassim; Abideen Adewale
International Journal of Zakat Vol 2 No 1 (2017)
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (588.926 KB) | DOI: 10.37706/ijaz.v2i1.12

Abstract

A Muslim is encouraged do charity for the blessings and rewards from Allah subhanahuwata’ala, not limited to low-income households. Some social finance institutions have been encouraging their zakat and infaq recipients, along with empowering programmes, to gradually give away a portion of their income as charity to the institutions; thus, it would be circulated among them. It is necessary to identify what factors influence them in regularly giving charity. Questionnaires were distributed to 1780 respondents from six areas in the west, middle, and east of Indonesia. By employing logistic regression, results show that determinants affecting regular charity giving of low-income households in Indonesia are employment status, household size, portion of charity per income, expectation of future economy, income, religious activity, and type of financing institution. Many Islamic economic researches have looked at compulsory charity, that is, zakat, and waqf topics, but none of them has covered voluntary monetary charity giving of low-income households in Indonesia. This research tries to fill the gap. Keywords: charity giving, low-income households, Indonesia, social finance
How different believers’ perceptions of choosing halal hotels an empirical analysis of non-muslim customers in Jakarta Nadiya Ulfa; Laily Dwi Arsyianti; Mohammad Iqbal Irfany; Daffa Aqomal Haq
Journal of Sustainable Tourism and Entrepreneurship Vol. 4 No. 1 (2022): September
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/joste.v4i1.1664

Abstract

Purpose: The primary objective of this study was to understand the factors that influence non-Muslim clients' perceptions of halal hotels in DKI Jakarta, Indonesia. Research Methodology:  Data were collected using questionnaires from 95 hotel guests in the DKI Jakarta region. Descriptive analysis and logistic regression were employed as analytical methods. Results: The results of the logistic regression revealed that education level and cost of hotel stay are significant determinants of non-Muslim consumers' selection of halal hotels. Limitations: This study was limited by its sample size of 95 visitors and geographical restrictions on the DKI Jakarta area. These variables may have affected the generalizability of our results. Contributions: This research enriches the halal tourism domain by elucidating non-Muslim guests' views on halal hotels and offering invaluable guidance for hoteliers, tourism entities, and policymakers to expand their target clientele in halal travel. Novelty: The novelty of this study lies in its focus on non-Muslim consumer perceptions, providing empirical evidence on how education and price influence hotel selection in the context of halal tourism.
Development Strategy of Islamic Boarding Schools-based Waqf (Case Study: Islamic Boarding Schools of Daarut Tauhiid, Bandung) Saputra, Danu Chandra; Arsyianti, Laily Dwi; Saptono, Imam Teguh
Journal of Consumer Sciences Vol. 6 No. 2 (2021): Journal of Consumer Sciences
Publisher : Department of Family and Consumer Sciences, Faculty of Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jcs.6.2.129-149

Abstract

Management of Waqf by individual collectors dominates Waqf management in Indonesia. However, since Waqf laws stated that The individual and an institution could manage Waqf, the opportunity to develop Waqf is more open for Waqf institutions. One of the established Waqf institutions is the Daarut Tauhiid Waqf institution. This study aims to identify and analyze existing strategies and generate development strategies for Islamic Boarding School-based Waqf. The research method used was descriptive qualitative by using Business Model Canvas (BMC), Strength Weakness Opportunity Threat (SWOT), and Analytical Network Process (ANP) approaches. The researchers conducted this study in Daarut Tauhiid Islamic Boarding School Bandung from November 2020 to March 2021. The respondents were practitioners, namely the director and staff of Daarut Tauhiid Waqf institution, regulators from the Ministry of Religion, and academics from universities in Bogor and Jakarta. Data were collected from in-depth interviews and questionnaires from respondents. The most important development strategy to be implemented in the Daarut Tauhiid Waqf institution is the development of human resources competency. Therefore, competent human resources can establish a trusted, professional, and trustworthy team managing Waqf-based Islamic boarding schools.
MEASURING ZAKAT IMPACT ON POVERTY AND WELFARE USING CIBEST MODEL Beik, Irfan Syauqi; Arsyianti, Laily Dwi
Journal of Islamic Monetary Economics and Finance Vol 1 No 2 (2016)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (479.265 KB) | DOI: 10.21098/jimf.v1i2.524

Abstract

This research attempts to analyze the role of productive-based zakat program in reducing poverty level of mustahik (zakat recipient) households from the perspective of material and spiritual dimensions. The study utilizes primary data which is obtained from interview through questionnaire in DKI Jakarta and Bogor Regency. 221 respondents are selected and interviewed as research samples. They are zakat beneficiaries managed by BAZIS DKI Jakarta and Dompet Dhuafa. The primary data collection was conducted on February until May 2015. CIBEST model comprising four indices is used as tool of analysis. These indices are welfare index, material poverty index, spiritual poverty index and absolute poverty index. It is found that the presence of zakat utilization program is able to increase welfare index of the mustahik by 96.8 percent. The material poverty index and absolute poverty index can also be reduced by 30.15 percent and 91.30 percent, respectively. Unpredictable result occurs on spiritual poverty index in which there is an increase of two households living under spiritual poverty. It means that these two zakat recipient households suffer weakening spiritual values despite materially better-off in the presence of zakat program.
DEBT TAKING AND CHARITY-GIVING AMONG LOW-INCOME HOUSEHOLDS: STRENGTHENING RESILIENCE IN ISLAMIC PERSPECTIVE Arsyianti, Laily Dwi; Kassim, Salina; Adeyemi, Adewale Abideen
Journal of Islamic Monetary Economics and Finance Vol 4 No 1 (2018)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (447.792 KB) | DOI: 10.21098/jimf.v4i1.739

Abstract

Households’ financial problem was perceived to be solved by taking other source of fund such as debt. In Islam, taking debt should be considered as the last resource when other sources were not available. Islam gives solution for those who have financial problem. Giving just small amount of money would give barakah to the giver. Charity-giving is not privilege for the rich people, but also for those in dire conditions. This paper attempts to explore whether low-income households’ perception on consecutive debt-taking influences their perception on regular charity-giving especially to achieve stipulated outcomes, i.e. households’ financial resilience. Structural Equation Modelling (SEM) is employed to analyse 1780 data from respondents across six areas in Indonesia. Low-income households perceived consecutive debt-taking to have negative relationship with regular charity-giving and positive relationship with outcomes (households’ financial condition and lifestyle satisfaction). Meanwhile, regular charity-giving has negative relationship with the outcomes when consecutive debt-taking intervene the relationship. Financial education and selection of financing institution have been proven to have relationships with variables which influence both regular charity-giving and consecutive debt-taking behaviours. As recommendation, charity education or sharing values should be included in the current financial education program. Formal financial institutions and social finance institution should also encourage supervision and continuously give financial education to social funds receivers.